Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$49,076Cash toward the purchase price.
Closing costs + prepaids$12,021Not just lender fees.
Before credits & paid funds$61,097The complete starting cash picture.
Estimated remaining funds due at closing
$61,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,076.00
Your down payment$49,076.00
Closing costs + prepaids$12,021.07
Total buyer cash needed$61,097.07
Remaining funds due$61,097.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,704.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$219.50
Prepaid interest, first (20 days)$980.45
Fees + prepaids$12,021.07
Your down payment is the seller’s equity. You take over the $340,824 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $61,097.07 is due at closing. Uses and sources reconcile at $401,921.07 each. Not a Closing Disclosure.